Insights & Research

CAIRMC Blog

An Open Letter to the Heads of Government of CARICOM: Why AI Must Be a Priority Now

CAIRMC writes to the fifteen Heads of Government of CARICOM. The case for placing AI on the agenda, designating a Lead Head of Government, commissioning a regional risk and capability assessment, and speaking with one voice in the international AI governance forums.

Adrian Dunkley, President·May 12, 2026

Thought Leadership15 min

Brain Sleep: How AI Dependency Threatens Caribbean Cognitive Capacity

The Caribbean has spent decades worrying about brain drain. The next risk is quieter and more dangerous: brain sleep. How AI dependency is hollowing out cognitive capacity across CARICOM, and what schools, firms, and governments should do about it.

Ethics15 min

Whose Values Get Coded? An Ethics Lens on AI Decisions in the Caribbean

Every AI system is a values document. Most of the values inside foreign AI tools were chosen by people who do not live in the Caribbean. A practical ethics lens for boards, regulators, ministries, and citizens deciding what AI should and should not do in our societies.

Elections15 min

Deepfake Democracy: AI, Elections, and Caribbean Public Trust

Caribbean election cycles are now AI-augmented. Deepfake video of candidates, voice-cloned audio on WhatsApp, AI-generated mass commentary. What electoral commissions, parties, journalists, and citizens should be building now, ahead of the next vote.

AI Risk Management13 min

AI Agent Liability in the Caribbean: Who Pays When an Autonomous Agent Breaks the Law?

When an autonomous AI agent in Martinique, Guadeloupe, Aruba, Bonaire, Belize, or Grenada breaches a contract, files a fraudulent claim, or executes a sanctioned transaction, who is liable? A practical accountability framework for Caribbean institutions and regulators.

AI Risk Management14 min

AI Agents Gone Rogue: Five Scenarios Every Caribbean Regulator Should Plan For

Tourism portal prompt injection in Dominica. Customs misclassification in Sint Maarten. Healthcare triage bias across the OECS. Trust services sanctions breach in Anguilla and the BVI. Disaster response failure in Turks and Caicos and the USVI. Five concrete agent failure modes and what to do about them.

AI Risk Management13 min

AI Agents and Caribbean Banking: The Operational Risk Profile Is Changing Fast

Autonomous AI agents are now being deployed across Caribbean banking, from Cayman fund administration to Trinidad retail. This article maps the governance, model, third-party, and operational risk concerns that risk leaders must address now.

AI Risk Management18 min

AI Risk in the Caribbean: What It Is, the Warning Signs, and How to Mitigate It Across CARICOM

A full Caribbean guide to AI risk: what it is, the warning signs to watch for, how to mitigate it, and what it looks like in each of the 15 CARICOM member states. Written by Adrian Dunkley, President of CAIRMC.

AI Risk Management14 min

17 AI Risks Caribbean Banks Cannot Afford to Ignore in 2026

Caribbean banks face a specific set of AI risks that generic frameworks miss entirely. From model bias in thin-file credit decisions to third-party vendor concentration in small markets, these are the 17 risks every Caribbean financial institution must address before deploying AI.

Education13 min

An AI Procurement Playbook for Caribbean Small and Medium Enterprises

A practical 10-step AI procurement playbook for Caribbean SMEs. Need framing, vendor questions, contracts, data, support, exit. Written so a small Caribbean firm can run the process without hiring a consultant.

Cybersecurity14 min

Crime by Algorithm: AI-Enabled Fraud and Scams Targeting Caribbean Communities

AI has changed the economics of fraud against Caribbean households and small businesses. Voice cloning, deepfake video, romance scams, business email compromise. What we are seeing across CARICOM, why the region is exposed, and what households, SMEs, banks, and law enforcement should do.

Safety16 min

Safety First: A Caribbean Framework for Deploying AI in Critical Services

A four-layer Caribbean AI safety framework for hospitals, utilities, ports, customs, and emergency services. Pre-deployment checks, runtime controls, incident response, and the institutional culture that makes them stick.

Tourism14 min

AI in Caribbean Tourism: Where the Risk Lives in the Region's Largest Industry

Tourism is the largest single industry in many Caribbean economies. AI is now embedded across pricing, marketing, guest service, security, and tourism-authority operations. A practical risk and practice briefing for owners, regulators, and tourism boards.

Education12 min

AI Literacy 101: A Caribbean Citizen's Guide to Artificial Intelligence

A plain-language Caribbean guide to AI. What it is, where it shows up across CARICOM, what it does well, what it does badly, and the questions every citizen should be asking when AI is being used on them.

Culture15 min

Out of Standard: AI, Caribbean Creoles, and the Languages That Models Cannot Hear

Jamaican Patwa, Haitian Kreyol, Papiamentu, Sranan Tongo, the Anglophone Caribbean creoles, the French-lexicon creoles, Garifuna, and the indigenous languages are largely invisible to mainstream AI. The cost is real and accruing. A practical Caribbean response on data, evaluation, procurement, and language sovereignty.

Accessibility14 min

AI Accessibility for Caribbean People with Disabilities

AI promises better access for people with disabilities and brings new exclusion risks. Hiring AI, benefits adjudication, sign-language tools, Caribbean-creole accessibility, and the procurement standards that would change the regional landscape.

Culture14 min

AI and the Caribbean Creative Industries: Music, Art, and the IP Question

Generative AI is rewriting the economics of Caribbean music, visual art, writing, and broadcast. What is at stake, what existing law actually says, and what artists, producers, rights organisations, and ministries of culture should be doing now.

AI Risk Management12 min

Using AI to Reduce Disaster Risks: Lessons from Hurricane Melissa

Hurricane Melissa exposed critical gaps in Caribbean disaster preparedness. This article examines how AI-powered early warning systems, predictive modelling, and real-time risk assessment can help Caribbean nations reduce disaster risks and build climate resilience.

Healthcare16 min

AI in Caribbean Healthcare: A Sector Risk and Safety Briefing

AI is now present in every Caribbean health system that has updated its records, signed a contract with a major imaging vendor, deployed clinical decision support, or installed a public-facing patient chatbot. A practical sector briefing on where AI is showing up, the failure modes that matter, and the safety controls a Caribbean health institution can adopt now.

Thought Leadership13 min

AI and the Caribbean Diaspora: Identity, Remittances, and Civic Ties

The Caribbean diaspora is large, engaged, and increasingly mediated by AI. Remittance flows, identity verification, civic and political engagement, and the responsibilities Caribbean governments and institutions carry toward their citizens abroad.

Agriculture14 min

AI in Caribbean Agriculture and Food Security

The Caribbean imports more than 80 per cent of the food it consumes. AI is now being marketed as a partial answer to the food-security question. A practical look at where the technology helps, where it misses, and what farmers, co-operatives, and ministries should do about it.

AI Risk Management14 min

Generative AI Risk for Caribbean Compliance Professionals: What You Need to Know

Caribbean compliance professionals face specific risks from generative AI tools. This guide covers hallucinations, IP risk, data leakage, and governance for Caribbean businesses.

AI Risk Management12 min

AI Operational Risk in Caribbean Financial Services: Managing What Can Go Wrong

AI introduces new categories of operational risk in Caribbean banks, insurers, and financial institutions. This guide covers identification, assessment, and control.

AI Risk Management12 min

AI Governance for Caribbean Government Agencies: A Practical Framework

Caribbean government agencies are adopting AI in public services, revenue collection, and social programmes. This guide covers the governance framework needed.

AI Risk Management13 min

AI and Cybersecurity Risk: What Caribbean Compliance Teams Need to Know

AI is changing both the attack surface and the defence toolkit for Caribbean organisations. This guide covers AI-driven threats, AI security tools, and governance.

AI Risk Management14 min

AI in Credit Risk Assessment: A Guide for Caribbean Banks and Credit Unions

Caribbean banks and credit unions are using AI in credit scoring and loan decisioning. This guide covers governance, bias risk, and compliance for Caribbean credit professionals.

AI Risk Management15 min

AI Governance for Caribbean Insurance: Underwriting, Claims, and Fraud Risk

Caribbean insurers are adopting AI in underwriting, claims, and fraud detection. This guide covers the governance requirements and risk management approach.

AI Risk Management14 min

AI in Anti-Money Laundering: A Guide for Caribbean Compliance Professionals

AI is changing AML compliance in the Caribbean. This guide covers what works, what CFATF expects, and how Caribbean compliance teams should manage AI-augmented AML programmes.

AI Risk Management14 min

AI and Third-Party Risk Management in Caribbean Organisations

Most Caribbean organisations use AI tools from foreign vendors. This guide covers how to assess, contract, and monitor AI third-party risk across CARICOM markets.

AI Risk Management14 min

AI Model Risk Management: A Framework for Caribbean Financial Institutions

A practical model risk management framework for Caribbean banks, credit unions, and insurance companies using AI. Covers validation, governance, and supervisory expectations.

AI Risk Management15 min

AI Fraud Detection in Caribbean Financial Services

Caribbean financial institutions are deploying AI fraud detection tools. This guide covers the risk, the compliance obligations, and what actually works in CARICOM markets.

Ethics14 min

Ethical AI Frameworks for Developing Nations

Developing nations need ethical AI frameworks that reflect local values and real constraints. This guide covers what works for Caribbean and LATAM risk professionals.

Data Protection13 min

GDPR, AI, and Caribbean Data Protection: Bridging the Gap

How Caribbean businesses can use GDPR principles and local Data Protection Acts to govern AI responsibly. A practical guide for compliance and risk professionals.

Capacity Building13 min

Building AI Governance Capacity in Small Island States

Small island states in the Caribbean face specific constraints when building AI governance infrastructure. This guide outlines practical steps for risk and compliance professionals.

Regulation14 min

EU AI Act: What It Means for Caribbean Businesses

The EU AI Act is in force. Caribbean companies exporting to Europe, using European AI vendors, or serving EU customers face real compliance obligations.

AI Risk Management15 min

AI Risk Management in the Caribbean: A 2025 Perspective

Caribbean risk and compliance professionals need a working framework for AI risk management. This guide covers what that looks like in practice for CARICOM businesses in 2025.

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